I use AMEX cash-back as a primary card. Chase Perfectcard is used for all gas, plus anywhere AMEX is not accepted. I also have a Bank One Free Cash Rewards Visa that I keep in a drawer and use two or three times a year, mainly for major purchases that I don't want to put on the other two cards. It pays a straight 1% for every $2500 in charges. Rather than doing that, I could alternate six months using the Chase Mastercard as an AMEX backup and six months using the Bank One Visa as an AMEX backup. The one that I am not using would "rest" in the sock drawer. Which type of usage (1st or 2nd paragraph) for the three cards would look better on the credit report? Or does it matter? Any opinions?